learnfinancewithMaine
YES, but EMBEDDED and not a standalone course. 20-A M.R.S. 4722(2)(B) requires 'Social studies and history, including American history, government, civics and personal finance - 2 years or the equivalent in standards achievement.' Personal finance is a NAMED COMPONENT inside the social studies requirement, with no separate credit.
See the requirement summary.
- How it may be delivered
- EMBEDDED in social studies; local districts choose the vehicle. MDOE testimony (Beth Lambert, Chief Teaching & Learning Officer, 4/1/2025): schools deliver it 'some through stand-alone courses, other by embedding it within social studies, mathematics, or specific senior life-readiness courses.' Maine is a local-control state and MDOE was 'Neither For Nor Against' mandating a separate course.
- Credit value
- Not yet verified to a primary source — we publish only what we can cite.
- Instructional-hour rule
- Not yet verified to a primary source — we publish only what we can cite.
- Below high school
- No separate middle or elementary personal finance requirement and no grade checkpoint. 20-A M.R.S. 4711 requires elementary instruction in 'social studies' (personal finance is not named), and the Maine Learning Results for Social Studies carry Personal Finance & Economics performance expectations for each grade K-5 and for grade bands 6-8 and 9-Diploma.
- State-mandated assessment
- NONE identified. Maine's state assessment system (MECAS) publishes no social studies, economics, civics or personal finance assessment or EOC.
- Who may teach it
- Not yet verified to a primary source — we publish only what we can cite.
- State course codes
- Not yet verified to a primary source — we publish only what we can cite.
- Standards framework
- Maine Learning Results for Social Studies - Revised 2019 (Revised 2019. A later proposed revision (2023 standards) was NOT AUTHORIZED - the Legislature's Education and Cultural Affairs Committee declined to authorize …)
- Funding a district may cite
- No standing instructional funding program. The only identified state appropriation is $15,000 from the General Fund for FY 2025-26 to support the Department of Education personal finance WORKING GROUP created by LD 1069 (enacted as RESV 2026 c. 125). Curriculum support is in-kind via the Maine Financial Literacy Framework & Resource Guide, an MDOE partnership with the Maine Jump$tart Coalition.
- State agency contact
- Beth Lambert, Chief Teaching & Learning Officer, Maine Department of Education - Beth.Lambert@maine.gov, 207-592-4398.
Facts on this page last verified 2026-08-09; every pack is re-verified on a six-month cadence, and anything we cannot cite is marked rather than guessed.
The district awards the credit — no platform can. Ours is designed to align with the state’s learning standards, and it produces the documentation a district needs to award credit: the course object with its federal course code, a pass determination that shows its arithmetic, an hour ledger that counts only observed instructional minutes, and a verified record of demonstrated mastery for every student.